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NZQA Assessment Support Material
Unit standard 28095
Title Analyse personal financial investment options
Level 2 Credits 3 Version 3
Student guidelines
For a given individual investor profile, you will be assessed on how well you:
Analyse two investment options in terms of:- cost(s)- length of time- deposit and/or contribution options- risk(s)- reward(s)
Make links to the suitability of your choices for the individual investor profile.
Justify the suitability of your selection of investment options for the individual investor profile.
A W A R D O F G R A D E S
For award with Achieved, you must analyse personal financial
investment options in terms of their features for an individual
investor profile.
For award with Merit, you must analyse personal financial
investment options in terms of their features, making links to the
suitability of the investment options for an individual investor profile.
For award with Excellence, you must analyse personal financial
investment options in terms of their features including links to and
justification of the suitability of the investment options for an
individual investor profile.
28095 version 3 Page 1 of 7Student guidelines September 2017 New Zealand Qualifications Authority 2023
C O N D I T I O N S O F A S S E S S M E N T
This is an open book assessment. You may use any information to
help you complete the task(s). Answers must be in your own words.
You assessor will provide you with information regarding timeframes for
this assessment.
28095 version 3 Page 2 of 7Student guidelines September 2017 New Zealand Qualifications Authority 2023
Scenario
Read the scenario below. You will be required to analyse two (2) investment options,
(KiwiSaver and one other from the following list) that would suit the scenario’s investor profile:
Term deposits
Property
Shares
Business ownership
Managed funds
Bonds.
Susanna is in her late forties and has three teenage children. She purchased a house in her
early twenties and has now nearly finished paying off the mortgage.
She is a chef, earning above the average wage for her experience and has satisfactory job
security. Susanna joined a private superannuation scheme about five years ago. She wants
to save seriously for her retirement.
She has $10,000 in a general savings account, $3000 of which she doesn’t intend to use for
investing. She has a balanced budget where she saves $175 a week after her expenses.
Susanna realises that she is likely to experience some ups and downs with the value of
returns and capital value of her investments. However, given that she expects to have
approximately twenty years to save for her retirement, she is prepared to accept that level
and amount of risk.
She has looked at various types of investments and knows that without some risk, returns
are likely to be low. Susanna is keen to earn at least moderate returns.
She has been on the internet and assessed herself to have been a conservative investor,
and is interested in exploring higher growth options.
28095 version 3 Page 3 of 7Student guidelines September 2017 New Zealand Qualifications Authority 2023
Task
1. Complete the table to analyse the features of KiwiSaver and one other personal financial investment option you have chosen.
F e a t u r e s O p t i o n 1 : ]
O p t i o n 2 :K i w i S a v e r
D e s c r i p t i o n
C o s t ( s )
L e n g t h o f t i m e ( T e r m )
28095 version 3 Page 4 of 7Student guidelines September 2017 New Zealand Qualifications Authority 2023
F e a t u r e s O p t i o n 1 : ]
O p t i o n 2 :K i w i S a v e r
D e p o s i t a n d / o r c o n t r i b u t i o n o p t i o n s
R i s k ( s )
R e w a r d ( s )
28095 version 3 Page 5 of 7Student guidelines September 2017 New Zealand Qualifications Authority 2023
2. Explain why these personal financial investment options are
suitable for the investor profile.
28095 version 3 Page 6 of 7Student guidelines September 2017 New Zealand Qualifications Authority 2023
Use examples to support your explanation.
3. Using the details from the scenario, justify the suitability of the investment options for the
individual investor profile.
28095 version 3 Page 7 of 7Student guidelines September 2017 New Zealand Qualifications Authority 2023